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Underwriting the Person, Not the Property: A Contrarian's Guide to Private Lending | Will Harvey E420

Most lenders underwrite the property. Will Harvey underwrites the person — and it's the reason he's funded 45+ loans without a single dollar of principal loss.

Will is the Founder and CEO of Harvey Capital, a private credit fund based in Richmond, VA that issues first-lien hard money loans in Central Virginia. Before building Harvey Capital, he sat on the borrower's side of the table as a GP and LP in private syndications, which is exactly why his approach flips the industry standard on its head: know the borrower well enough, and protecting principal stops being a guessing game.

In this…

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